We as many americans are facing financial hardships. We got behind in our mortgage payments and have tried to work with PNC Mortgage/National City Mortgage to become current. We have been lied to, misled, and now they are frauding the government. Our loan is a Fannie Mae loan and it is guaranteed by the government should we default on the loan. We were sent paperwork as we were told we qualified for (MHAP) Making Home Affordable Program and three (3) "Trial Period Payments" had to be made, December 2009, January 2010, and February 2010, in addition these payments had to be called in at the first of every month. We were then told that we would receive the "Re-Modification Packet" around mid February 2010. In February 2010 when we called to make that payment, we were told that if we did not receive the packet to go ahead and still make a payment in March 2010 via phone. We of course did not receive the "Re-Modification Packet" in February 2010, so at the first of March 2010 we called in the payment, at that time same scenario, if you don't receive the packet, go ahead and make April's payment, this continued every month until June 2010. When we called to make June's payment they rejected it and said we were no longer in the MHAP program because we did not send in requested documentation. We never received a phone call or anything via US mail requesting additional documentation. We were then told what they needed and not only did we fax it to them, we sent it certified mail. PNC Mortgage/National City Mortgage likes to say they don't receive items, but thank goodness it was sent US mail certified. Now we received a letter stating that we DO NOT qualify for the MHAP program, so when we asked about the six (6) months of payments we made, we were told, "Those payments were not trial period payments, it was just so PNC could get money from us". This nightmare has been going on for almost 2 years and now the mortgage has an additional twenty to thirty THOUSAND dollars added to it for late fees, attorney fees, and interest. It is obvious that PNC/National City does not care, because they will get their money from (Fannie Mae) government. PNC/National City jacks up the loan amount with ridiculous fees and now will continue with the foreclosure and in addition to that they will still receive their money from Fannie Mae. Can someone please help us, we have done everything that has been requested of us and still this nightmare continues.